Operating Income for SoFi Technologies (SOFI)
According to SoFi Technologies's latest reported financial statements, the company's current operating income (TTM) is $836.00M USD. Operating income is profit from core operations: revenue minus cost of goods sold and operating expenses (SG&A, R&D). It excludes interest, taxes, and non-operating items, so it isolates how profitable the business itself is before financing and tax decisions. Compare with EBITDA and net income.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
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TTM (last 4 quarters)
$836.00M
YoY change
+620.9%
5Y CAGR
N/A
Peak year (2025)
$1.68B
Cumulative operating income
$50.55M
Operating Income history chart for SoFi Technologies (SOFI) from 2017 to 2025
Operating Income history table for SoFi Technologies (SOFI) from 2017 to 2025
| Fiscal year | Period ended | Reported | Operating Income | YoY |
|---|---|---|---|---|
| 2025 | $1.68B | +620.9% | ||
| 2024 | $233.34M | -177.5% | ||
| 2023 | -$301.16M | -5.5% | ||
| 2022 | -$318.72M | -33.8% | ||
| 2021 | -$481.18M | +46.5% | ||
| 2020 | -$328.52M | +37.1% | ||
| 2019 | -$239.60M | -5.4% | ||
| 2018 | -$253.36M | -539.6% | ||
| 2017 | $57.63M | — |
Operating Income values are taken from SoFi Technologies's reported income statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
In 2025, SoFi Technologies (SOFI) operating income totalled $1.68B – surged 620.9% year-over-year.
$1.68B stands as the all-time-high annual operating income, posted in 2025, against a low of -$481.18M during 2021.
Within Financial Services, SoFi Technologies (SOFI) ranks 9th among 8 peers we track. The peer median for operating income is $24.60B.
SoFi Technologies Operating Income by Year
SoFi Technologies Operating Income 2025: $1.68B
SoFi Technologies operating income in 2025 was $1.68B, surged 620.9% from 2024. This figure represents the highest annual value in the available history.
SoFi Technologies Operating Income 2024: $233.34M
SoFi Technologies operating income in 2024 was $233.34M, plunged 177.5% below 2023.
SoFi Technologies Operating Income 2023: -$301.16M
SoFi Technologies operating income in 2023 was -$301.16M, declined 5.5% below 2022.
SoFi Technologies Operating Income 2022: -$318.72M
SoFi Technologies operating income in 2022 was -$318.72M, plunged 33.8% below 2021.
SoFi Technologies Operating Income 2021: -$481.18M
SoFi Technologies operating income in 2021 was -$481.18M.
See more financial history for SoFi Technologies (SOFI).
Sector peers — Operating Income
Companies in the same sector as SoFi Technologies, ranked by their latest operating income.
| Company | Operating Income | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $72.59B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $59.54B | Financial Services |
| Bank of America Corporation (BAC) | $37.70B | Financial Services |
| Wells Fargo & Company (WFC) | $25.20B | Financial Services |
| Visa Inc. (V) | $23.99B | Financial Services |
| Morgan Stanley (MS) | $21.95B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $21.85B | Financial Services |
| Mastercard Incorporated (MA) | $19.40B | Financial Services |
Frequently asked questions
What is SoFi Technologies's operating income?
- Latest reported operating income for SoFi Technologies (SOFI) is $836.00M (period ending December 31, 2025).
How has SoFi Technologies operating income changed year-over-year?
- SoFi Technologies (SOFI) operating income changed +620.9% year-over-year on the latest annual filing.
When did SoFi Technologies operating income hit its highest annual value?
- SoFi Technologies operating income reached its highest annual value of $1.68B in 2025.
What was SoFi Technologies operating income in 2024?
- SoFi Technologies (SOFI) operating income in 2024 was $233.34M.
What was SoFi Technologies operating income in 2025?
- SoFi Technologies (SOFI) operating income in 2025 was $1.68B.
Metrics overview
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